How to Get a Home Loan if You’re Self Employed

Bank Statement Loan Programs are the Key

Find Out More About the Bank Statement Loan

My Lender Jackie/ Summit Lending Bank Statement program allows self-employed borrowers the ability to qualify based on a 12 or 24 month average of deposits using their personal or business bank account.


Benefits to Business Owners

No Tax Returns Required

Personal Bank Statement qualified based on 12 month average monthly deposits

Business Bank Statement qualified based on 24 month average monthly deposits

680 Minimum Credit Score

Up to 90% LTV (No MI) allowed on Personal and Business

Loans to $3 Million (Minimum $150,000)



Great Rates & Terms

Gift funds allowed

No pre-pay penalty ever

Interest Only Available

5/1 ARM – 7/1 ARM –  10/1 ARM –  15 yr fixed – 30-year fixed – RATES START IN THE 4’s

Recent foreclosure, short sale, bankruptcy, deed In lieu OK with letter of explanation


Flexible Options

Owner-Occupied, 2nd homes, investment properties allowed

Non-warrantable condos considered

SFRs, townhomes, condos, 2-4 units

DTI 43+% with no additional reserve requirement (depending on investor)

Purchase or Refinance (No Home Equity Loans)

Cash-Out Refinance can be used for home improvement

Closing time is FAST – 3-week average

5 star reviewJackie helped us buy our first home! My husband and I are both entrepreneurs who work from home and we had been throwing money down the toilet for years because we just didn’t have the savings for our first home yet. Jackie helped us get approved for a 10% down jumbo loan that helped us buy our dream home! We now spend less now each month paying our mortgage than we did paying rent. So excited to be in the market FINALLY and building a home we can all our own. Thanks Jackie!
Anna R.

5 star reviewGreat. Very efficient. Very professional. Everything was done on time and as I was promised. I have been trying to refinance my mortgage for the past two years. I talked with the number of various ages and banks and no one could help me. I was referred to Jackie and within five weeks with a minimum effort on my part it was done. Thank you Jackie!
Dr. Jay

Have a Specific Question?

Send me an email at or call me at 949-600-0944

Book a time to chat HERE

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No Hidden Fees - No Obligation - No Upfront Costs

Find Out How the Bank Statement Program is Your Key to Homeownership

Jackie Barikhan

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